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The Lyon County State Bank
Emporia, KS · FDIC Certificate #14952 · Chartered 06/2
Total assets
$212.50M
Total deposits
$183.38M
Total equity
$18.44M
Net loans
$144.82M
Branches (offices)
2
Net income (YTD)
$1.81M
Rank: #2,900 of 4,213 U.S. banks by assets · #89 of 183 in Kansas. Assets changed 2.3% and deposits 3.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.70% |
| Return on equity | 20.33% |
| Net interest margin (YTD) | 3.82% |
| Equity to assets | 8.68% |
| Tier 1 leverage ratio | 9.61% |
| Uninsured deposits (share of deposits) | 8.8% |
| Noncurrent loans (share of loans) | 0.20% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 79.0% |
| Real estate loans (share of loans) | 91.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $132.55M | 91.5% | |
| Commercial & industrial | $7.70M | 5.3% | |
| Consumer / individual | $3.89M | 2.7% | |
| Construction & development | $1.95M | 1.3% | |
| Agricultural | $2.62M | 1.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $179.22M | $164.63M | $865.00K | $9.06M |
| Jun 2023 | $185.89M | $160.50M | $1.03M | $9.93M |
| Jun 2024 | $190.37M | $163.08M | $1.19M | $11.79M |
| Jun 2025 | $207.65M | $177.41M | $1.32M | $14.68M |
| Jun 2026 | $212.50M | $183.38M | $1.81M | $18.44M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $183.38M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $183.38M.
Similar-sized banks
Exchange Bank And Trust Company, Natchitoches, Louisiana ($212.53M) · Union State Bank ($212.45M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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